PASHA_BANK ANNUAL REPORT 2021

General Information Financial Information and Risk Management Review Information on Management and Corporate Governance Principles In this context, provision calculation function of PBT Rate model was improved so that it produces control reports. This model aims to evaluate customers’ financial conditions by performing financial analyses and monitor early warning signals. Additionally, the model was updated to include daily KKB‑KRM information flow; five new early warning signals were added and guarantee intelligence started to be performed daily. Project management process was updated based on Group methodology. In addition to regulatory projects, the Bank effectively participated in PASHA Group’s projects in corporate culture, human resources, risk management and audit areas with strategic projects, core banking and environmental systems development projects: · Development and Implementation of Framework for Fraud Detection Project · Backup Application in Critical Positions Project · Rotation Planning within the Group Project · Combined Ethical Code Project within the Group · Information Technologies and Information Security Risk Improvement Project · Risk Culture Project The following activities were completed to meet regulatory reporting and integration requirements in 2021: · Documentary Export Credit Integration Services · Documentary Export Credits Log structure and Issuance of DIR Document · Non‑documentary Export Credit Integration Services · SWIFT Release 2020 Updates · Purposes for External Institution Inquiry Logging Screens · KRM Daily Notification Posting · Inter EFT Logging · KKB Individual Customer Notifications · e‑VEDO Report Developments · ETMP (Electronic Letter of Guarantee Platform)‑KKB Bank Service Integration v15‑16‑17 · Reporting of SWIFT Data ‑ Additional developments · Capital Movements Circular Changes in 16/A and 42/3 · e‑VEDO Price Multiplier Column and Istanbul Stock Exchange SWIFT Code · TBB Risk Center FX Rate Disclosure Change · Commercial Fee Commission Internet Site Update Activities · Central Bank Payment Systems Message Changes · SWIFT Release 2021 Updates · 2020 CRS Report Updates · Non‑documentary Export Credits - ETGB (Electronic Commerce Customs Declaration) Change · ETMP KKB‑Bank Service Integration 19. Version · ETMP KKB‑Banka Service Integration 20. Version · Rediscount Credits Management System 3.3 Version Update · KPS (Identity Sharing System) Service Change · Export Circular Phase 2 Developments · Turkcell SMS OTP Service · Sending expense records of statements which are sent with 950 with swift references · Non‑documentary Export Credits‑ SBIF (Free Zone Transaction Form) Annotation Notification and Cancellation Service · Approval of TAHSA screen on XONAY · Interbasel Profile Identification · ETMP - KKB Bank Service Integration 22. and 23. Version Changes · ETGB Annotation · Customs Declaration Registration Number - Format Change A total of 32 legal projects are finalized. The following projects are currently ongoing for Clean Export Credits, sharing The Banks Association of Turkey Risk Center e‑YTB and SWIFT updating. Activities of PASHA Bank in 2021